Anthony Ruiz, CFP®, CPWA®, MBA

I’ve lived most of my life in Northwest Ohio and Southeast Michigan. I was raised in Toledo and earned my MBA in Finance from the University of Toledo. My wife Jennifer and I raised our two sons in Holland, Ohio, the community we proudly call home.

Why Healthcare Became Personal

My connection to healthcare is personal. In 2022, doctors diagnosed me with stage 3 colorectal cancer. I received treatment at The Toledo Hospital and University of Michigan Hospitals in Ann Arbor.

That experience shaped my approach to financial advice. Information alone is rarely enough. People need guidance that reflects their circumstances and helps them move forward with confidence.

I learned firsthand that accurate information and a plan built around your situation are not the same thing. That lesson stayed with me. Today, it continues to influence how I work with clients.

Experience That Shaped My Approach

Over nearly two decades in financial services, I’ve worked across retail banking, institutional investing, and private banking. Those experiences taught me that effective financial planning starts with understanding the person sitting across the table.

I’ve managed real money through market cycles, solved complex financial problems, and worked under fiduciary oversight. Through it all, one conviction became clear. Long-term success does not come from reacting to every market move. Instead, it comes from staying disciplined, maintaining perspective, and focusing on what matters most.

I built Ruiz Financial Group around this belief. The people I most enjoy working with have built something meaningful. They want thoughtful guidance as they navigate complex financial decisions. I genuinely enjoy solving financial problems and bringing many moving pieces together into one clear plan.

Ultimately, the relationships built along the way matter most to me.

At our family-led firm, the goal has never been to become the largest. Instead, we want to build a place where families and professionals feel heard and informed. We want clients to feel confident that we approach their financial decisions thoughtfully and personally.

When I’m not working, you’ll usually find me playing guitar or walking our beloved Coton de Tulear, Lucky Luv, our Chief Cuddle Officer. I also enjoy exploring Michigan and Ohio with my family.

If you’re wondering whether your financial plan truly reflects the life you’re building and the goals that matter most to you, I’d welcome the opportunity to have a conversation.

For interviews, commentary, podcast appearances, or speaking engagements, visit my Media & Speaking resources.

Professional Associations

Anthony Ruiz maintains professional credentials, memberships, and advisor profiles with the following organizations: